The only thing worse than not having health insurance when you really need it is to find out you’ve been paying your hard-earned money for a plan that never had much of a chance of helping you in the first place.

In order to get the most for your money, it’s important to evaluate where you are with items like your annual deductibles, preventative services, and health savings accounts before the year is over to make sure that you’ve used all the services and benefits to which you are entitled.